Hal's Mortgage Blog

Everybody knows late payments can hurt, but here's a short list of what you don't know.

• Maxed out credit card? - deduct 10 to 45 points
• Settled a debt for less than full amount? - deduct 45 to 125 points
• Foreclosure? - deduct 85 to 160 points
• Bankruptcy? - deduct 130 to 240 points
• And of course the proverbial 30 day late payment - deduct 60 - 110 points

What can you do turn it around? Get a copy of "Your Credit Score" - An insider's guide to credit scoring and home financing.

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